Net prepaid mastercard

*A shipping/handling fee of 10.00 EUR will be applied. Please check if you have enough funds in your NETELLER account to cover this fee. Net+ cards are prepaid cards that operate on the mastercard® platform. They provide you with instant access to the funds in your NETELLER account. The net+ prepaid mastercard® enables you to make purchases online and in person. You can also make ATM withdrawals anywhere mastercard is accepted.

What is the net+ prepaid mastercard® and how can I get one?

What is the net+ plastic prepaid mastercard®?

Net+ cards are prepaid cards that operate on the mastercard® platform. They provide you with instant access to the funds in your NETELLER account. The net+ prepaid mastercard® enables you to make purchases online and in person. You can also make ATM withdrawals anywhere mastercard is accepted.

How does the net+ prepaid mastercard® work?

The net+ prepaid mastercard® is a plastic card containing the latest chip and PIN technology. So you can use it like a credit or debit card. It allows you to access the funds in your NETELLER account by withdrawing from an ATM or making purchases in person at locations that accept mastercard. After we receive your application, the net+ prepaid mastercard® is usually mailed out to you within 2-10 business days. When you get it you need to activate it and then you'll have instant access to the funds in your NETELLER account.

How can I apply for the net+ prepaid mastercard®?

First ensure your NETELLER account has been verified. Then, when signed in, select the "net+ cards" link found on the left-side of your screen to request your card.
1. Click on the green button get net+ prepaid mastercard®.
2. Confirm your mailing address. If you do not need to update it, click on the green get the net+ card button.
3. Choose your currency. We recommend that you choose the currency that matches the currency of your NETELLER account, to avoid the currency exchange fee.
4. Select a four-digit PIN. Do not choose an easy to guess PIN code, such as your birthday, or a PIN code with repeating digits (e.G. 0000).
5. When you have selected your currency and PIN, click the green confirm button.
The net+ prepaid mastercard® will be mailed out to you and usually arrives within 2-10 business days.

*A shipping/handling fee of 10.00 EUR will be applied. Please check if you have enough funds in your NETELLER account to cover this fee.

How do I load funds to the net+ prepaid mastercard®?

The net+ prepaid mastercard® and net+ virtual prepaid mastercard® are directly connected to your NETELLER account, therefore no loading is required. Funds for purchases made with your net+ prepaid mastercard® cards will automatically be debited from your NETELLER account.

*net+ prepaid mastercard® is only available to residents of authorized european economic area (EEA) countries.

Net prepaid mastercard

Getting a prepaid card is easy. There's no credit check or bank account required.

Safer than cash

You could recover your money if your card is lost or stolen after youвђ™ve registered it. You can't say that about cash. 1

Mastercard ID theft protectionв„ў

Mastercard is the only payment brand that provides its U.S. Cardholders with services вђ“ at no extra cost вђ“ to help you detect and resolve identity theft.

More convenient than cash

Your mastercard prepaid card is accepted everywhere mastercard debit cards are accepted and you can even have your paycheck directly deposited to your registered card.

Easy to manage your finances

No more waiting in line for money orders. Use your mastercard prepaid card to pay bills and manage your expenses.

1-2-3 REWARDS вђ“ kroger rewards prepaid mastercard В®

Earn rewards towards FREE groceries and fuel discounts at kroger family of stores locations

Manage your card 24/7 with our mobile app. Sign up for text and email alerts

Reload funds through direct deposit, recharge cardв„ў, bank account, paypal, mobile check deposit and card-to-card transfers

No overdraft fees or credit check

Akimbo prepaid mastercard

The card for the modern household - add sub cards, link bank accounts, automate budgets and allowances.
Get a card

Bancorp / univision mastercard В® prepaid card

The cheap, safe & easy way to manage your money. Load funds & pay for everyday purchases & get cash at atms.
Get a card

Brink's В® prepaid mastercard В®

Brinkвђ™s gives you the peace of mind you deserve. Securing cash and valuables since 1859.

With brinkвђ™s direct deposit, you can get paid faster 2 than with a paper check

No late fees or interest charges because this is not a credit card

Use the brinkвђ™s money prepaid mobile app to manage your account on the go and get text message or email alerts (message & data rates may apply)

Card.Com prepaid mastercard В®

Banking fully from your smartphone

No credit check, no overdraft fees, no minimum balance

Get your paycheck up to 2 days faster with early direct deposit

Have up to 3 accounts for household budgeting

Free app to service all your account needs

Deposit checks with a photo

Text alerts option with balance and transaction information

Thousands of card designs to choose from!

Cascade prepaid mastercard

Low fees, EMV chip for added security and a rewards program make this an excellent choice!
Get a card

Controlв„ў prepaid mastercard В®

Power. Confidence. Control. Itвђ™s more than just a prepaid card. It can be the difference between getting by and getting ahead.

With control card direct deposit, you can get paid faster 2 than with a paper check

No late fees or interest charges because this is not a credit card

Fancard В® prepaid mastercard В®

The ultimate card for the ultimate college sports fan

Show your fandom by paying with team pride with every swipe

Use the fancard mobile banking app to manage your account on the go

Enable text spending alerts to stay up to date on all transactions (message & data rates may apply)

Add sub-cards, making budgeting and allowances for the whole family easier than ever, even add sub-cards for multiple teams!

Load conveniently with direct deposit, cash, checks, venmo & paypal, card-to-card transfers, and more!

H&R block emerald prepaid mastercard В®

The H&R block emerald prepaid mastercard is a reloadable prepaid debit card for receiving and using your tax refund, or loading money to your card year-round. The card can be used anywhere mastercard debit is accepted.
Get a card

Meta / univision mastercard В® prepaid card

The cheap, safe & easy way to manage your money. Load funds & pay for everyday purchases & get cash at atms.
Get a card

Movenв„ў prepaid mastercard В®

Get moven, anytimeвђ¦anywhereвђ¦ the smart prepaid card + account

The moven app, account and card all work together to help you spend, save and live smarter В®

Use the no-surcharge moven prepaid mastercard at over 42,000 atms

No maintenance fees or minimum balance requirements

Moven is where you are вђ“ 24/7

Netspend В® prepaid mastercard В®

With netspend direct deposit, you can get paid faster 2 than with a paper check

Take advantage of netspend payback rewards and earn cash back on qualified purchases

No late fees or interest charges because this is not a credit card

Use the netspend mobile app to manage your account on the go and get text message or email alerts (message & data rates may apply)

В® prepaid mastercard card art">

Netspend В® prepaid mastercard В® - proud partner of MLB В®

Show support for your team by using your team-branded netspend В® prepaid mastercard В® each time you use your card

With netspend direct deposit, you can get paid faster 2 than with a paper check

No late fees or interest charges because this is not a credit card

Use the netspend mobile app to manage your account on the go and get text message or email alerts (message & data rates may apply)

Paypal prepaid mastercard В®

Move money from your paypal account in realtime

Take advantage of paypal cash back rewards and earn on qualifying purchases from select merchants

With direct deposit, you can get paid faster 2 than with a paper check

No late fees because this is not a credit card

Walmart moneycard В® prepaid mastercard В®

Up to $75 in cash back rewards per reward year. No overdraft fees. No bank account required. See website for details.
Get a card

Western union В® netspend В® mastercard В® prepaid card

Send and receive WU В® money transfers, shop online or pay bills

With western union direct deposit, you can get paid faster 2 than with a paper check

No late fees or interest charges because this is not a credit card

1 card registration required. Certain restrictions apply. Contact the issuer of your card immediately to report your lost or stolen card. You can use the customer service toll-free number listed on the back of the card. Be sure to keep a record of the mastercard card number. Your issuer may need this information to cancel the card and issue a replacement. You can also contact emergency services for additional assistance. In the event your card is lost or stolen, your card issuer will not hold you responsible for unauthorized purchases made on your card. Terms and conditions.

2 card may be used everywhere mastercard debit cards are accepted.

NETELLER net+ mastercard

The NETELLER net+ prepaid mastercard is a plastic card that is sent to you that you can use for cash withdrawals at thousands of supported mastercard atms worldwide or pay in any shop that accepts mastercards. With the net+ prepaid mastercard the available balance of your card is the same as the balance of your NETELLER ewallet account and cannot be exceeded.

NETELLER card fees

There are no ongoing costs like monthly/yearly fees or inactivity fees with the NETELLER card. The card can be ordered for a one-time shipping and handling fee of 10.00€ in your NETELLER account after logging in.

For ATM withdrawals there is a 1.75% fee. Paying in shops (POS – point of sale) is free as long as the currencies match. When using a NETELLER card in a different currency than your NETELLER account or when performing a transaction in a different currency than your net+ card you are charged with a 3.99% FX currency exchange fee.

To avoid FX fees, choose the currency of the country that you want to use the card primarily. All fees are charged directly from your NETELLER account. The net+ prepaid mastercard is available in eight currencies: GBP, USD, EUR, CAD, SEK, DKK, AUD and JPY.

For more information on the NETELLER net+ prepaid mastercard, please check netellers website and check our page about the NETELLER fees.

NETELLER card limits

Members of ewallet-optimizer enjoy the highest ATM limits of 3,300 USD/day including the highest transfer limits (check 2nd table below).
For more information on limits for regular account holders, please check the following tables and also visit our NETELLER limits comparison.

NETELLER mastercard limits for non-VIP clients

NETELLER mastercard limits for VIP & gold VIP clients or higher

Order NETELLER mastercard

To order your NETELLER prepaid mastercard, please log into your account and select “net+ cards” -> “get a plastic card“.

NETELLER net+ virtual prepaid mastercard

The virtual prepaid mastercard is a non-phsyical prepaid mastercard. Therefore, you do not need to receive a physical card.

Instead, you can create virtual card details from within your NETELLER account and use them to shop online.

Please keep in mind also the privacy concerns that come with a virtual mastercard in general.

Fees

The first virtual prepaid mastercard created within your account is FREE.
You can then add up to 5 more net+ virtual prepaid NETELLER mastercards and even set limits how much you are allowed to spend (optional). After the first free virtual card, each next card created costs 2.50 EUR. When using different currencies, there is a FX fee of 3.99% of the amount spent.

Limits

You can spend up to 6,300 EUR per 24h with the net+ virtual prepaid mastercard. Please check the following tables for more information about the limits.

Net+ virtual prepaid mastercard® unverified limits

Net+ virtual prepaid mastercard® verified limits

Order NETELLER card

To order your NETELLER net+ virtual prepaid mastercard, please log into your account and select “net+ cards” -> “get a virtual card“.

NETELLER net+ mastercard and virtual card – availability

Since the end of september 2016 NETELLER does not offer mastercards for residents of NON-SEPA countries any longer. Besides the fact that those clients are not able to receive a new NETELLER mastercard, all other services will stay available.

The NETELLER card is available in the following countries:

NETELLER mastercard – comparison and summary

The net+ virtual prepaid mastercard can only be used to shop online. ATM cash withdrawals are not possible. When shopping online, a higher security level is achieved through the individual setting of spending limits and protection against unauthorized use. It also has higher spending limits than the physical card.

The net+ physical prepaid mastercard is necessary to get cash from atms and is s safe way to pay in online shops also. When dealing with unknown shops, a net+ virtual prepaid mastercard can be used for extra caution.

Please contact us if you have further questions about the NET+ mastercard.

Operating since 2010 promoting ewallets like skrill, ecopayz and NETELLER, we have become the biggest and most trusted ambassador worldwide.

Our clients benefit of the highest valued ewallet bonus program on the net while our partners can maximize their affiliate opportunities by advertising ewallets without time commitments.

With our internal support team within the ewallet brands and our additional help, we are able to take care of our clients’ issues whenever it is needed.

We are proud to have the highest satisfaction rate of clients using an ewallet of their choice.

With our ewo partner program and the ewo dashboard we offer our partners to work as skrill affiliate and NETELLER affiliate themselves.

The ewo dashboard is the ultimate tool for easier skrill VIP and NETELLER VIP upgrade, higher NETELLER commission and NETELLER bonus for all our ewo partners.

Please contact us and get your ewo dashboard as ewallet affiliate right away!

With the skrill promotion “true player growth” skrill starts the year with a great promo which allows you to use your skrill account basically for free.
Please note that the skrill promotion is designed for italian and UK customers only. All skrill members, existing and new, residing in the territories of the united kingdom and italy and meet the eligibility criteria can participate and reap the substantial benefits.

On february 11, the epayments suspended operations on its customer accounts at the request of the financial conduct authority (FCA). At the moment, users from all over the world cannot carry out any operations with the account: transfer funds, deal, deposit or withdraw funds, use their epayments prepaid card, or even just accept payments.
We completed some details about freezing accounts epayments. Also, you find below information on some alternative payment solutions to keep your funds safe.

Skrill VISA USA card has arrived. It was quite a long way for skrill inc until they have became the first fully licensed digital wallet in the state of new jersey for online gambling back in 2015. It took even more time to also start offering their own skrill card for the USA.
Until now, US citizens could not make any gambling deposits. They could use their ewallet balances for person to person and e-commerce transfers only.

Prepaid cards

Another clever way to save a lot, by doing very little

Select an option

Prepaid cards

Compare the best prepaid cards with moneysupermarket and find the right deal for you - whether you're spending overseas,
looking to improve your credit rating, or simply want to earn cashback and rewards.

Everyday prepaid cards - ordered by cards which incur the lowest first year costs for an upload of
£500 with eight transactions of £37.50 each and four ATM transactions of £50 each, includes any
special or introductory offers.

ATM transaction fee £1 for the everywhere card (an additional 1.4% transaction fee will also apply)

A foreign transaction fee applies when spending out of currency.

- FAIRFX are currently offering free card if you apply through moneysupermarket.Com and load more than £50
- no monthly management fee
- free PIN re-issue

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Free card when you load more than £50 onto the card.

As a fairfx customer, you automatically earn 3.5% cashback every time you spend at selected high-street brands in the UK

GET £22 WHEN YOU LOAD £500 OR MORE. THIS OFFER IS AVAILABLE TO NEW FAIRFX CUSTOMERS APPLYING THROUGH MONEYSUPERMARKET.COM. T&CS APPLY.

- free UK ATM withdrawals
- free UK purchases
- free to set up direct debits and standing orders
- free purchase protection

Cashplus prepaid mastercard (freedom)

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FREE UK ATM withdrawals, FREE purchases, NO monthly fee

Instant online approval. No credit check to apply

Idraft up to £250 and £1000 direct debit cover available – subject to approval

Moneysupermarket customers receive £10 upon first load of £50. This offer is only available through moneysupermarket.Com. T&cs apply.

A card replacement fee of £5 applies plus £5 delivery. The card application fee is normally £5 however this is free for customers who apply through moneysupermarket

2% fee above £200 monthly allowance

No fees, and interbank exchange rates, i.E. The ones you see on google

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A great way to manage your everyday spending, with budgeting, savings pots and real time spending notifications

You can load this card for free, using a debit card, credit card, bank transfer or revolut transfer

You can use this card abroad with no fees in over 130 countries

You can only withdraw the equivalent of £200 per month in cash. If you withdraw more than this you'll be charged a 2% fee

UNTIL 31 MARCH 2020, MONEYSUPERMARKET CUSTOMERS CAN RECEIVE A FREE REVOLUT CARD BY FOLLOWING THE ADJACENT LINK AND COMPLETING SIGN-UP

Prepaid cards for euros - ordered by biggest saving to customers based on making 10 purchases of €50 and five ATM transactions at €100 each

- UK point of sale transactions are charged at £1.50 per transaction

Caxton prepaid euro currency card

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No fees or charges when spending abroad and withdrawing at atms

Pre-load 15 different currencies onto your card, including GBP – giving you the ability to buy currency when the rate is at its best

Check your balance, view your transactions, top up on the go and block your card if needed via the caxton's app

MONEYSUPERMARKET CUSTOMERS GET UP TO £50 CASHBACK ON LOADS OVER £1000 IF THEY APPLY FOR A CARD BY 29TH FEBRUARY. THIS OFFER IS ONLY AVAILABLE TO NEW CUSTOMERS THROUGH MONEYSUPERMARKET. T&CS APPLY.

Out of currency fee of 1.75% applies to all ATM withdrawals processed in a currency different to your card’s designated currency

There is a fee of 1.75% for transactions not in euros.

Fairfx euro currency card special

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Free card when you load more than £50 onto the card.

As a fairfx customer, you automatically earn 3.5% cashback every time you spend at selected high-street brands in the UK

GET £48 WHEN YOU LOAD £1000 OR MORE. THIS OFFER IS AVAILABLE TO NEW FAIRFX CUSTOMERS APPLYING THROUGH MONEYSUPERMARKET.COM. T&CS APPLY.

A new travel money card that connects directly to your high street bank account: no top-ups, no pre-pay. Works with all leading high street banks. You don't need an app or access to wifi to operate the card. Supports all currencies.

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The first travel money card that connects directly to your high street bank account: no top-ups, no pre-pay, no leftover balance.

Works with all leading high street banks and supports all currencies. No hidden fees like weekend or dormant charges.

You can choose to contribute a part of your savings on bank charges to plant trees and offset the environmental impact associated with your travels.

You must be over 18 years old, a UK resident, and have a UK bank account.

You can withdraw a maximum of £500 per month from international atms. UK ATM withdrawals not allowed.

Prepaid cards

Prepaid cards work a little differently to other types of plastic. Although you can use them to make purchases or withdraw cash in the same way as a debit or credit card, the key difference is that they need to be loaded up with cash in advance – and you can then only spend the balance on the card.

There are a number of benefits to using a prepaid card, so it pays to compare your options carefully and select the right one for your needs.

Advantages of prepaid cards

Prepaid cards usually fall into two categories – pay monthly and pay-as-you-go. Pay monthly prepaid cards charge a monthly fee, but in return you pay lower transaction fees than you would with a pay-as-you-go card, and often, you will also be given rewards or cashback on your spending.

Pay monthly prepaid cards are more suited to those who regularly spend on their card, while pay-as-you-go options are more suited to those who only make a handful of transactions on their card each month.

Because you can only spend the money you've pre-loaded onto your prepaid card, they are a great choice for those on a budget, for parents who want to keep an eye on their children's spending, or even for businesses.

But another benefit of prepaid cards is that they don't require a credit check and, as a result, they are easier to get hold of than credit or debit cards. This means they can be a good option for those with a poor credit score or no credit history at all. Some prepaid cards will also allow you to add a 'credit builder' service to your card which will help you to improve your credit rating.

What's more, certain prepaid cards can even be used as an alternative to a bank account, allowing your salary to be paid onto them.

Prepaid cards can also be a handy addition to your wallet if you're holidaying abroad. This is because a number of cards allow you to pre-load them with foreign currency and then side-step the expensive fees charged by many debit and credit cards for use overseas.

Disadvantages of prepaid cards

Prepaid cards can be riddled with fees, so it's important to read the small print carefully.

In particular, you should watch out for monthly fees, charges for loading funds onto your card, fees for withdrawing cash or spending on your plastic, and inactivity fees – which kick in if you don't use your card for a number of months.

Finally, unlike credit cards, prepaid cards are not covered under section 75 of the consumer credit act 1974. This protects credit card purchases between £100 and £30,000 against a retailer going bust, or your goods arriving faulty or damaged. This protection was extended up to £60,260 under the 2011 consumer credit directive.

What is a prepaid card?

Prepaid cards are simply a plastic alternative to carrying money around and are often called everyday cards.

What is a prepaid travel card?

Buying a prepaid card for your travels saves you having to carry around wads of cash when you’re on holiday.

How to choose the best prepaid card?

Choose the best prepaid card.

Pay monthly

Replace your debit or credit card with a prepaid card.

Pay as you go

No monthly fees and great for teens or students.

Credit building

Improve your credit rating with guaranteed acceptance.

Euros

Discover our exclusive offers for prepaid euros cards.

Dollars

See our special deals on prepaid dollars cards.

Multi currency

Find multi currency offers you won’t get anywhere else.

More prepaid cards options

Get money calm

Moneysupermarket gives you lots of clever ways to save a lot, by doing very little.

Take control of your credit score by checking and improving it for free with credit monitor

Never overpay again with energy monitor, our energy monitoring service

Over 50 ways to get money calm

So how do we make our money? In a nutshell, when you use us to buy a product, we get a reward from the company you’re buying from.

But you might have other questions. Do we provide access to all the companies operating in a given market? Do we have commercial relationships or ownership ties that might make us feature one company above another?

We commit to providing you with clear and informative answers on all points such as this, so we have gathered the relevant information on this page.

Contact moneysupermarket.Com at moneysupermarket house, st david's park, ewloe, flintshire, CH5 3UZ. © moneysupermarket.Com ltd 2020

Moneysupermarket.Com limited is an appointed representative of moneysupermarket.Com financial group limited, which is authorised and regulated by the financial conduct authority (FCA FRN 303190).
Moneysupermarket.Com financial group limited, registered in england no. 3157344. Registered office: moneysupermarket house, st. David's park, ewloe, CH5 3UZ. Telephone 0333 123 1972

Important information

Here's some important information about the services moneysupermarket provides. Please read and retain for your own records. About our service

We use cookies to give you the best experience. By using our website you agree to our use of cookies in accordance with our cookie policy

ICS maakt gebruik van cookies.

Deze cookies worden gebruikt om de website te analyseren, te verbeteren en om advertenties voor u relevant te houden. U geeft aan, door gebruik te blijven maken van deze website of door hiernaast op 'accepteren' te klikken, akkoord te zijn met het gebruik van cookies op de websites van ICS.

Prepaid mastercard
de card voor iedereen

Geen BKR-toetsing

Bepaal zelf uw limiet

Inclusief aankoopverzekering

Het aanvragen van een prepaid creditcard is helaas niet mogelijk. Mogelijk bent u geholpen met een andere creditcard, bekijk meer over de mastercard

De voordelen van de prepaid mastercard

Wereldwijd betaalgemak

Wereldwijd kunt u op 27 miljoen adressen met uw prepaid mastercard betalen. In winkels, restaurants, hotels en bij benzinestations; u heeft altijd de juiste valuta op zak.

Eenvoudig aanvragen

U vraagt een prepaid mastercard eenvoudig aan met het online aanvraagformulier. Op basis van uw gegevens neemt ICS uw aanvraag voor een prepaid mastercard in behandeling.

Veilig online betalen

Online shoppen is makkelijk, snel en kan de hele dag door. Maar wat als uw pakketje niet aankomt? Of na ontvangst beschadigt? Dan kunt u terugvallen op de aflevergarantie en aankoopverzekering.

Hoe werkt de prepaid mastercard?

Wat kan ik ermee?

Met een prepaid mastercard kunt u snel, gemakkelijk en veilig betalen. Overal ter wereld. U profiteert van verzekeringen en de uitstekende service van ICS.

Hoe werkt het?

Zodra u de card ontvangen heeft, kunt u geld op uw prepaid mastercard storten en werkt de card hetzelfde als een creditcard. Wereldwijd kunt u met de card betalen, ook online.

ICS is 7 dagen per week, 24 uur per dag bereikbaar

Vragen?

ICS is 7 dagen per week, 24 uur per dag telefonisch bereikbaar voor spoedeisende vragen, bijvoorbeeld bij verlies of diefstal van uw creditcard. Voor minder urgente vragen staan wij u graag tijdens kantooruren te woord.

Excellente service

De klantenservice van ICS draagt het ITO kwaliteitskeurmerk. Dit keurmerk garandeert u uitstekende bereikbaarheid en klantvriendelijkheid. Klanten beoordelen de service van ICS met een 8,1.

De ICS app, inzicht in uw uitgaven

Met de ICS app op uw smartphone of tablet heeft u een duidelijk overzicht van al uw transacties.

Prepaid kreditkarte ohne SCHUFA: 13 schufafreien prepaid kreditkarten (mastercard & visa) im vergleich

Prepaid kreditkarten ohne SCHUFA werden immer beliebter. Aus gutem grund, denn von diesen karten auf guthabenbasis kann jeder ungeachtet des einkommens profitieren. Zudem besteht jederzeit volle kostenkontrolle. Hier erfährst du, worauf es ankommt, wenn du eine kreditkarte ohne bonitätsprüfung beantragen möchtest.

Prepaid kreditkarten ohne SCHUFA: 13 schufafreien prepaidkarten (stand 01/2020)

Wie unser prepaid kreditkarte vergleich ergeben hat, ist die auswahl bei karten ohne bonitätsprüfung nicht besonders groß. Diese fünf anbieter haben jedoch überzeugt.

Anbieter	gebühren	mehr infos & besonderheiten
black&whitecard prepaid mastercard	ausgabegebühr: aktion "2 für 1": 89,90 € für 2 karten regulärer preis für 1 karte: 89,90 € jahresgebühr: 0 € monatsgebühr: 0 €

Transaktionsgebühren:
kartenzahlungen: 0 €
banküberweisung: 1% min. 1,79 €
sofortüberweisung: 1% min. 1,79 €
giropay: 1% min. 1,79 €

Bargeld abheben:
am geldautomat inland: 4,99 €
am geldautomat ausland: 4,99 € vorteile:
+ ohne SCHUFA-check
+ keine monatsgebühr
+ keine jahresgebühr
+ ohne einkommensnachweis
+ mit hochprägung
+ ohne girokonto, aber mit kontofunktion (inkl. Eigener IBAN und BIC)
+ anonym (trägt nicht den namen des karteninhabers)
+ mit eigener IBAN-kontonummer
+ zweite karte ist kostenfrei
+ in hochglanz-optik zu haben

Nachteile:
– gebühren für nichtnutzung
– bargeldabhebungen teuer
– hohe kosten bei fremdwährungen

VIABUY prepaid mastercard
ausgabegebühr: 69,90 €
jahresgebühr: 19,90 €
monatsgebühr: 0 €

Transaktionsgebühren:
kartenzahlungen: 0 €
fremdwährungseinsatz: 2,75%
ausgehende inlands-/SEPA-überweisung: 0 €

Aufladegebühren:
SEPA-überweisung: 0 €
bareinzahlung bei einer bank: 0 €
instant transfer: 0 €
internationale überweisung: 1,75%
SOFORT überweisung: 1,75%
giropay: 1,75%

Bargeld abheben: 5,00 € pro abhebung vorteile:
+ ohne SCHUFA-check
+ ohne postident-verfahren
+ ohne einkommensnachweis
+ mit hochprägung
+ mit kontofunktion, aber ohne verbindung zum girokonto
+ nutzung als P-konto möglich
+ bestmögliche anonymität
+ bis zu 3 partnerkarten pro konto
+ einfache beantragung & aufladung
+ karten in goldenem oder schwarzem design bestellbar
+ weltweite akzeptanz

Nachteile:
– nicht für jugendliche unter 18 jahren
– hohe ausgabegebühr
– jahresgebühren fallen an
– kein integriertes girokonto
– hohe kosten beim bargeldbezug
– mit 2,75 % hohe fremdwährungsgebühr

Fazit: die VIABUY card eignet sich für dich, wenn du wert auf eine partnerkarte legst und nicht allzu viel bargeld abhebst.

Netbank prepaid kreditkarte
ausgabegebühr: 0 €
jahresgebühr: 19 €
monatsgebühr: 0 €

Transaktionsgebühren:
kartenzahlungen: 0 €
fremdwährungseinsatz: 1,50%

Bargeld abheben: 3,50 € pro abhebung vorteile:
+ ohne SCHUFA-check
+ ohne postident-verfahren (erst bei auswahl des 10.000 € limits)
+ preiswert in der anschaffung
+ einfache beantragung & schnelle freischaltung
+ nicht mit einem bankkonto verbunden
+ keine aufladegebühren
+ eigenes motiv auf wunsch

Nachteile:
– keine freiabhebungen
– keine partnerkarte möglich
– keine partnerkarte
– postident-verfahren ist erforderlich ab einem betrag von 10.000 €

Netbank virtuelle prepaid kreditkarte ausgabegebühr: 0 €
jahresgebühr: 7,50 €
monatsgebühr: 0 €

Transaktionsgebühren:
kartenzahlungen: 0 €
fremdwährungseinsatz: 1,50%

Aufladegebühr:
überweisung: 0 €
dauerauftrsg: 0 €

Bargeld abheben: nicht möglich vorteile:
+ ohne SCHUFA-check
+ ohne postident-verfahren
+ ohne einkommensnachweis
+ keine aufladegebühren
+ von jedem deutschen girokonto aufladbar
+ schon nach 24 stunden verfügbar
+ jugendschutzfunktion aktivierbar

Nachteile:
– keine zusätzliche plastikkarte
– nur für onlineshopping

Commerzbank prepaid kreditkarte
ausgabegebühr: 0 €
jahresgebühr:
14 - 18 jahren: 0 €
ab 18 jahren: 39,90 €
monatsgebühr: 0 €

Transaktionsgebühren:
kartenzahlungen: 0 €
fremdwährungseinsatz: 1,75%

Bargeld abheben:
inland: 1,95% des betrages, mind. 5,98 €
ausland: 1,95% des betrages, mind. 5,98 € + auslandseinsatzentgelt i.H.V. 1,75% des betrages vorteile:
+ ohne SCHUFA-check
+ ohne einkommensnachweis
+ hohe sicherheitsstandards
+ kostenlos für 14 - 18 jahre
+ keine ausgabegebühr & monatsgebühr

Nachteile:
– relativ hohe abhebegebühren

Insidecard prepaid visa
ausgabegebühr: 25 €
jahresgebühr im 1. Jahr: 0 €
jahresgebühr ab 2. Jahr: 25 €
monatsgebühr: 0 €

Transaktionsgebühren:
kartenzahlungen: 0 €
fremdwährungseinsatz: 1,50%

Bargeld abheben: 2,50 € vorteile:
+ ohne SCHUFA-check
+ legitimation durch postident- oder videoident-verfahren möglich
+ ohne einkommensnachweis
+ kostenfreies aufladen
+ individuelles kartendesign auf wunsch
+ ohne girokonto
+ günstige jahresgebühr

Nachteile:
– keine freiabhebungen
– keine partnerkarte

Fazit: wenn du eine vergleichsweise günstige prepaid kreditkarte ohne schufa suchst und kein girokonto brauchst, ist die insidecard interessant für dich.

Cristalcard visa debitkarte
ausgabegebühr: 37,90 €
jahresgebühr im 1. Jahr: 0 €
jahresgebühr ab 2. Jahr: 37,90 €
monatsgebühr: 0 €

Transaktionsgebühren:
kartenzahlungen: 0 €
fremdwährungseinsatz: 1,50%

Kartenaufladung:
banküberweisung: 0 €
sofortüberweisung: 0 €

Bargeld abheben: 2% vom betrag (mind. 2,50 €) vorteile:
+ ohne SCHUFA-check
+ ohne einkommensnachweis
+ ohne girokonto
+ kostenlose aufladung
+ attraktives rabatt- und bonussystem
+ bei autovermietern akzeptiert
+ individuelles kartendesign auf wunsch

Nachteile:
– keine partnerkarte
– keine kostenlosen bargeldabhebungen

Fazit: die cristal card passt zu dir, wenn du gerne shoppst und dir dabei tolle rabatte sichern möchtest. Die ersparnisse machen die kreditkartengebühr wieder wett.

Global-konto premium
ausgabegebühr: 0 €
jahresgebühr: 68 €
monatsgebühr: 0 €

Transaktionsgebühren:
eingehende überweisung: 0 €
überweisung: 0,60 €
lastschriftabbuchung: 0,60 €
zahlungen mit kreditkarte: 0 €
fremdwährungseinsatz: 0%
kontofunktionalität (optional): 5 € mtl.

Bargeld abheben: 5 € pro abhebung vorteile:
+ ohne SCHUFA-check
+ ohne postident-verfahren
+ ohne einkommensnachweis
+ mit eigenem SEPA-fähigen konto mit IBAN und BIC
+ kann innerhalb 1 minute beantragt werden
+ nutzung als P-konto möglich
+ mit wunsch-pin & eigenem design

Global-konto business
ausgabegebühr: 0 €
jahresgebühr: 98 €
monatsgebühr: 0 €

Bargeld abheben: 5 € pro abhebung vorteile:
+ ohne SCHUFA-check
+ ohne liquiditätsnachweise
+ ohne postident-verfahren
+ geschäftskonto auf den firmen- oder vereinsnamen inkl. Prepaid kreditkarte
+ für jede unternehmensform geeignet
+ ohne kreditreformauskunft und liquiditätsnachweise
+ HBCI-fähiges online-banking

Nachteile:
– relativ teuere jahresgebühr

Onlinekonto (geschäftskonto / privatkonto)
ausgabegebühr:
privatkonto, gewerbekonto: 39 €
geschäftskonto: 99 €
jahresgebühr: 0 €
monatsgebühr: 9,90 €

Transaktionsgebühren:
eingehende überweisung: 5x eingehende überweisungen kostenlos mtl., danach 0,50 €
lastschriftabbuchung: 0,50 €
zahlungen mit kreditkarte: 0 €
auslandseinsatzentgelt: 2%
P-kontoführung: 0 €

Bargeld abheben: 1x gratis geld abheben weltweit, danach 5,95 € pro abhebung vorteile:
+ ohne SCHUFA-check
+ ohne postident-verfahren
+ ohne einkommensnachweis
+ als privatkonto, gewerbekonto oder geschäftskonto nutzbar
+ mit eigener IBAN und BIC
+ auch für selbstständige geeignet
+ 1x gratis geld abheben im monat
+ 5 zahlungseingänge frei im monat
+ nutzung als P-konto möglich

Payangocard visa debitkarte
ausgabegebühr: 25 €
jahresgebühr im 1. Jahr: 0 €
jahresgebühr ab 2. Jahr: 25 €
monatsgebühr: 0 €

Transaktionsgebühren:
kartenzahlung:
euroländer, schweiz, schweden, rumänien: 0 €
andere länder: 1,5% vom umsatz

Aufladegebühr:
banküberweisung: 0 €
sofortüberweisung: 0 €

Bargeld abheben: 2% des betrags, mind. 2,50 € vorteile:
+ ohne SCHUFA-check & bonitätsabfrage
+ ohne einkommensnachweis
+ ohne girokonto
+ legitimation durch postident- oder videoident-verfahren möglich
+ günstige jahresgebühr
+ kostenlose aufladung
+ individuelles kartendesign auf wunsch

Nachteile:
– tageslimit 500 euro bei bargeldauszahlungen

Meinegirokarte P-konto mit prepaid kreditkarte
aktivierungsentgelt: 39 €
jahresgebühr: 0 €
monatsgebühr: 6,50 €
versankosten: 5,95 €
einrichtung eines firmenkontos: 98 €

Transaktionsgebühren:
kartenzahlung: 0 €
überweisung: 0,60 €
lastschriftabbuchung: 0,60 €

Bargeld abheben: 5 € vorteile:
+ mit pfändungssicherem konto verknüpft
+ ohne SCHUFA-check

Nachteile:
– komplizierte kostenstruktur

Fazit: diese mastercard prepaid eignet sich aufgrund der hohen kosten nur für dich, wenn du gleichzeitig ein pfändungssicheres konto ohne schufa brauchst.

Supremacard prepaid mastercard
aktivierungsentgelt: 0 €
jahresgebühr: 79 €
monatsgebühr: 0 €

Transaktionsgebühren:
kartenzahlung: 0 €
überweisung: 0,60 €
lastschriftabbuchung: 0,60 €

Bargeld abheben: 5 € vorteile:
+ ohne SCHUFA-check
+ keine auslandsgebühren
+ hoher sicherheitsstandard

Fazit: wenn du eine karte suchst, die im ausland hohe sicherheitsstandards ermöglicht, solltest du über die supremacard nachdenken. Für manche länder kannst du die nutzung sogar untersagen.

Die rolle der SCHUFA bei der vergabe von kreditkarten

Die abkürzung SCHUFA steht für schutzgemeinschaft für allgemeine kreditsicherung. Diese auskunftei arbeitet mit mehr als 9.000 vertragspartnern wie versandhäusern, banken und telefonanbietern zusammen und speichert die namen und adressen von verbrauchern sowie daten über deren zahlungsmoral. Insgesamt sind rund 66 millionen bundesbürger bei der SCHUFA erfasst.

Will ein verbraucher einen kredit aufnehmen, ein bankkonto eröffnen oder einen handyvertrag abschließen, muss eingewilligt werden, dass die daten an die SCHUFA übermittelt werden. Von besonderem interesse sind dabei die sogenannten negativauskünfte, die zahlungsausfälle, einträge in schuldnerverzeichnisse und aufgekündigte kredite beinhalten. Daneben ermittelt die SCHUFA für jeden gemeldeten verbraucher einen score nach bestimmten algorithmen, der auskunft über die bonität gibt.

Bei einer kreditvergabe kann ein mittelmäßiger schufa-score schon die absage bedeuten. Neben den daten der SCHUFA sind für die vergabe einer kreditkarte noch weitere werte relevant. Wichtig ist zum beispiel ein regelmäßiger gehaltseingang und dessen höhe. So sichern sich die banken gegen zahlungsausfälle ab. Denn eine reguläre kreditkarte birgt immer ein gewisses risiko. Schließlich kann der verbraucher bis zum gewährten limit weltweit bargeld abheben oder einkäufe bezahlen. Dieses geld strecken die banken erst einmal vor. Daher muss gewährleistet sein, dass diese beträge zurückgezahlt werden.

Ein mittlerer bis schlechter schufa-score gibt den banken anlass zu der vermutung, dass es mit deiner rückzahlungsmoral hapert.

Eine prepaid kreditkarte gibt es oft auch schufafrei

Falls du eine schlechte schufa hast, bedeutet es trotzdem nicht, dass du auf eine kreditkarte verzichten musst. Denn die banken sind oft deutlich kulanter, wenn die kreditkarte keinen kreditrahmen benötigt. Die lösung heißt: prepaid kreditkarte. Bei diesem modell funktioniert alles auf guthabenbasis. Das bedeutet, du kannst nur so viel geld ausgeben, wie sich auf deiner karte befindet. Ist das guthaben aufgebraucht, überweist du wieder eine bestimmte summe auf das kreditkartenkonto. Das funktioniert entweder per überweisung, dauerauftrag, sofort-überweisung, bareinzahlung oder aufladebon. Sobald die karte benutzt wird, bucht die bank die entsprechende summe ab. Eine rechnung am monatsende oder ein splitting des angefallenen betrages erfolgt nicht.

Vorteil für kunde und bank: verbraucher geraten nicht in die schuldenfalle, die banken erhalten ihr geld. Da nicht mit fremdem geld gearbeitet wird, ist keine bonitätsprüfung erforderlich. Einen echten kredit hast du bei einer prepaid kreditkarte nicht, doch wird sie im alltag wie eine reguläre kreditkarte eingesetzt.

Du kannst eine prepaid kreditkarte zum online shopping, im supermarkt, an der tankstelle, im urlaub und zu bargeldabhebungen nutzen. Um beim antrag keine schwierigkeiten zu erleben, ist es wichtig, dass vorab einen vergleich der einzelnen karten durchführst. So sind einige karten mit einem girokonto verknüpft, für das wiederum eine schufa-abfrage durchgeführt wird. Manche anbieter setzen auf eine kreditkarte mit kontofunktion, was generell leichter zu finden ist als eine karte mit vollumfänglichem girokonto ohne schufa.

Sind prepaid kreditkarten überhaupt seriös?

Vielleicht ist dir schon aufgefallen, dass anbieter der prepaid kreditkarte mit slogans wie „für alle“ oder „garantiert ohne schufa“ arbeiten und du fragst dich, ob solche kreditkarten seriös sind. Zudem behaupten manche immer noch, solche karten seien nur für verbraucher, die sonst keine kreditkarte bekommen. Dabei sind die ganzen vorurteile unberechtigt. Längst hat sich die prepaid kreditkarte als sichere – und wenn bestimmte kostenfallen beachtet werden – sowie günstige alternative zu einer konventionellen kreditkarte etabliert. Denn zur zielgruppe gehören keineswegs nur verbraucher, die eine schlechte bonität besitzen. Da für eine kreditkarte auf guthabenbasis kein einkommensnachweis erforderlich ist, sind diese karten für freiberufler, selbständige, studenten und alle, die ihre ausgaben genau kontrollieren möchten, interessant.

Eine prepaid kreditkarte kommt als zweitkarte infrage, die im urlaub eingesetzt wird. Das guthaben-system schützt weitestgehend vor missbrauch und betrug, da nicht mehr als die auf der karte aufgeladene summe verwendet werden kann. Eine kreditkarte mit verfügungslimit bietet sich ebenfalls für jugendliche an, wenn es auf klassenfahrt ins ausland geht.

Bei der kreditkarte auf guthabenbasis handelt es sich um eine visacard oder mastercard, was weltweite akzeptanz. Wenn du ein auto mietest, musst du vorher darauf achten, dass sich genug guthaben auf der karte befindet, damit der vermieter die kaution blocken kann. Trotzdem halten sich immer noch hartnäckig gerüchte, dass die prepaid kreditkarte von autoverleihern abgelehnt wird, weil sie nicht hochgeprägt ist. Das ist jedoch nicht der fall. Probleme gibt es nur, wenn das guthaben zu knapp kalkuliert wurde.

Eine kreditkarte auf guthabenbasis muss nicht teuer sein. Einige banken bieten sie sogar ohne jahresgebühr an, andere verlangen höhere gebühren als bei einer konventionellen kreditkarte. Da liegt daran, dass eine prepaid karte im schnitt weniger umsatz macht und die banken niedrigere gewinne mit sollzinsen erwarten. Seit einiger zeit geht der trend jedoch dazu, eine prepaid kreditkarte für eine jahresgebühr von etwa 20 euro anzubieten, manchmal sogar mit kontofunktion.

Vor-und nachteile einer prepaid kreditkarte ohne schufa

Vorteile:

Bei antrag keine SCHUFA-abfrage

Keine hausinternen bonitätsprüfungen

Kein einkommensnachweis erforderlich

Kann trotz negativer schufa ausgestellt werden

Kann auch von erwerbslosen, hausfrauen, studenten und schülern beantragt werden

Für minderjährige möglich

Kontofunktion oft integriert

Weltweite akzeptanz

Viele anbieter bieten eine bestimmte anzahl kostenloser geldabhebungen weltweit an

Jederzeit absolute kontrolle der ausgaben

Nachteile:

Unter umständen entstehen höhere kosten als bei einer regulären kreditkarte

Manche karten haben ein stark begrenztes abhebelimit

Nur in seltenen fällen mit girokonto

Nur wenige anbieter stellen eine partnerkarte aus

Ohne jahresgebühr nur bei sehr wenigen anbietern

Wie kann ich eine schufafrei kreditkarte beantragen?

Wenn du im prepaid kreditkarte vergleich die für dich beste prepaid kreditkarte gefunden hast, kannst du diese direkt auf der homepage des anbieters beantragen. Du füllst ein formular mit deinen persönlichen angaben aus, gibst deinen gültigen erstwohnsitz an und lässt dich vom system durch den bestellvorgang navigieren.

Je nach anbieter wird die prepaid kreditkarte innerhalb von 24 stunden versendet, was praktisch ist, wenn du im urlaub bargeldlos zahlen möchtest. Sobald die karte bei dir eintrifft, kannst du ganz einfach guthaben aufladen und sie nach erfolgter gutschrift sofort benutzen.

Gibt es eine reguläre kreditkarte ohne bonitätsauskunft?

Bei einer regulären kreditkarte streckt die bank dir die ausgegebene summe erst einmal vor. Daher will sie sich natürlich absichern, dass sie dieses geld auch wiedersieht. Aus diesem grund gibt es aktuell keine normale kreditkarte ohne bonitätsprüfung.

Kann ich mehrere kreditkarten auf guthabenbasis haben?

Das stellt in der regel kein problem dar. Achte nur darauf, ob bei nichtnutzung zusätzliche gebühren anfallen.

Zusammenfassung

Die unterschiede der einzelnen prepaid kreditkarten ohne SCHUFA liegen im detail. Daher solltest du dir zunächst darüber klar werden, in welchem zusammenhang du die karte einsetzen wirst. Während der eine anbieter eher online-shopper anspricht, ist die kreditkarte auf guthabenbasis bei einem anderen interessant, wenn du viel im ausland unterwegs bist.

Debit cards and prepaid cards

Strict about your budget? Prepaid and debit cards can help you control your spending by setting your balance up front. Note that prepaid and debit cards are not the same as credit cards. If you’re looking for a credit card but are concerned about a low credit score, check out these card offers from our partners.

Best prepaid & debit cards for 2020

Netspend® visa® prepaid card

Rewards rate

At A glance

Highlights

With netspend direct deposit, you can get paid faster than a paper check

No late fees or interest charges because this is not a credit card.

Use the netspend mobile app to manage your account on the go and get text message or email alerts (message & data rates may apply).

Card issued by metabank®, member FDIC. Card may be used everywhere visa debit cards are accepted. "apply now" for full details.

Rates & fees

Brink's prepaid mastercard®

Rewards rate

At A glance

Highlights

Brink’s gives you the peace of mind you deserve. Securing cash and valuables since 1859.

With brink’s direct deposit, you can get paid faster than a paper check.

No late fees or interest charges because this is not a credit card.

Use the brink’s money prepaid mobile app to manage your card account on the go and enroll to get text message or email alerts (message & data rates may apply.)

Subject to card activation and ID verification. Terms and costs apply. Issued by axos bank®, member FDIC. Click for full details.

See additional brink’s prepaid mastercard® details.

Rates & fees

Western union® netspend® mastercard® prepaid card

Rewards rate

At A glance

Highlights

Send and receive a western union® money transfer, shop online or pay bills.

With western union direct deposit, you can get paid faster than a paper check.

No late fees or interest charges because this is not a credit card.

Subject to card activation and ID verification. Terms and costs apply. Issued by metabank®, member FDIC.

Rates & fees

Brink's prepaid mastercard®

Rewards rate

At A glance

Highlights

Brink's gives you the peace of mind you deserve. Securing cash and valuables since 1859.

With brink's direct deposit, you can get paid faster* than a paper check.

No late fees or interest charges because this is not a credit card.

Use the brink's prepaid mobile app to manage your account on the go and get text message or email alerts (message & data rates may apply.)

Get your tax refund direct deposited to your card account and no more waiting in line to cash your check!

*card issued by bofi federal bank, member FDIC. Card may be used everywhere mastercard debit cards are accepted. "apply now" for full details.

See additional brink's prepaid mastercard® details.

Rates & fees

Netspend® prepaid mastercard®

Rewards rate

At A glance

Highlights

With netspend direct deposit, you can get paid faster than a paper check.

No overdraft fees on card purchases.

No late fees or interest charges because this is not a credit card.

Use the netspend mobile app to manage your card account on the go and enroll to get text messages or email alerts (message & data rates may apply).

Card use is subject to activation and ID verification. Terms and costs apply.

Card issued by metabank®, member FDIC.

See additional netspend® prepaid mastercard® details

Rates & fees

Control™ prepaid mastercard®

Rewards rate

At A glance

Highlights

Power. Confidence. Control. It’s more than just a prepaid card. It can be the difference between getting by and getting ahead!

With control card direct deposit, you can get paid faster than a paper check.

No late fees or interest charges because this is not a credit card.

Subject to card activation and ID verification. Terms and costs apply. Issued by metabank®, member FDIC. Click for full details.

See additional control prepaid mastercard details.

Rates & fees

Gobank® checking account

Rewards rate

At A glance

Highlights

Early direct deposit — get paid up to 2 days early with payroll direct deposit! (subject to your employer's policy.)

No overdraft fees, penalty fees or ongoing minimum balance requirements, ever!

Access to over 42,000 fee-free atms (that's way more free atms than bank of america and chase)

Pay bills and quickly send money to friends and family.

Deposit checks using mobile check deposit & paper checks available.

Deposit cash for free exclusively at any participating walmart® register in the U.S. Deposit cash for up to $4.95 at participating locations nationwide like 7-eleven®, CVS/pharmacy®, and more.

Click apply now for more info about gobank's simple fees.

Rates & fees

Netspend® small business prepaid mastercard®

Rewards rate

At A glance

Highlights

Separate business expenses from personal expenses. No more mixing business purchases into everyday life.

No late fees or interest charges because this is not a credit card.

Simplify tax preparation with business expense tracking and transaction exporting.

Manage employee spending with more control.

Accept credit card payments with the propay® mobile card reader.

Subject to card activation and ID verification. Terms and costs apply. Issued by metabank®, member FDIC. Click for full details.

See additional netspend® small business prepaid mastercard details

Rates & fees

Self — credit builder account

Rewards rate

At A glance

Highlights

Savings plans start at $25/month and includes credit monitoring

Reports to all 3 credit bureaus. No hard credit pull and no credit history required

Self helps you get a small loan that you save in a CD for 12 or 24 months (FDIC- insured certificate of deposit bank account)

At the end of account term you've built credit history and your CD savings unlocks

Rates & fees

Paypal prepaid mastercard®

Rewards rate

At A glance

Highlights

Move money from your paypal account in real time.

Take advantage of paypal cash back rewards and earn on qualifying purchases from select merchants. With direct deposit, you can get paid faster than a paper check.

Card issued by the bancorp bank, member FDIC. Card may be used everywhere debit mastercard is accepted.

Click paypal prepaid mastercard® for additional features & program details, and to request a card.

Rates & fees

Editorial disclosure: all reviews are prepared by creditcards.Com staff. Opinions expressed therein are solely those of the reviewer and have not been reviewed or approved by any advertiser. The information, including card rates and fees, presented in the review is accurate as of the date of the review. Check the data at the top of this page and the bank's website for the most current information.

Comparing prepaid card offers

A prepaid card is a great tool for someone who needs a little help budgeting, doesn’t have the best of credit or prefers the convenience of not always pulling out cash. But they aren’t the same as credit cards and they don’t enjoy credit cards’ greatest advantage – the ability to help build your credit. That said, there are plenty of good reasons to get a prepaid card. Here we look at:

We look at who can benefit from a prepaid card, how they work and what they aren’t.

What is a prepaid card and how does it work?

Prepaid cards are among the fastest growing financial products on the market. General-purpose, reloadable prepaid cards have grown from a $1 billion purchase volume in 2003 to an expected $352 billion by 2023.

Yet, as popular as they are, there is a ton of misunderstanding about them. For example, there is no such thing as a prepaid credit card. In fact, they are opposites. Here we take a look at some common features of prepaid cards and how they compare to other card types.

What are the different types of cards?

Here are the 4 main types of cards you’ll encounter when looking for a financial card, along with how they work and what makes them unique.

What is a prepaid card?

A prepaid card, also called a pay-as-you-go card, is a product that only lets you spend money you’ve loaded onto it in advance. Instead of borrowing money from a bank that you must pay back later (as with a credit card), you are spending your own preloaded money. One of the conveniences of prepaid cards is that they are available almost anywhere, from grocery stores to gas stations, and you can use them anywhere their payment network (such as visa or mastercard) is accepted.

Here are some of the most common types prepaid cards:

General-purpose reloadable cards

Gift cards

Retail cards

Transit cards

Health savings account cards

Payroll cards

Government benefit cards

How does a prepaid card work?

Using prepaid cards is very simple. You just need to load the amount of money you want to have available for purchases onto the card; then, as you use the card, keep an eye on your balance to be sure it will cover the purchases you want to make. For example, if you load a prepaid card with $100 and buy something for $20, you’ll have a balance of $80 left to spend on your prepaid card. If the balance on your prepaid card reaches $0, or if you want to make a purchase that exceeds the card’s current balance, you must add more money or (in some cases, like with a gift card) cover the difference with another form of payment.

What is a debit card?

A debit card is issued by a bank and linked to a checking or savings account. Each time you use a debit card, you are transferring money electronically from your bank account to pay for your purchase, reducing your bank account balance. You can also use a debit card to withdraw cash from your account via an ATM. A debit card may not have the protections of credit or charge cards, although some financial institutions place protections on their debit cards, and debit cards can have federal deposit insurance through the bank.

Debit cards are a big industry. Wells fargo dominates the industry, with more than 50 other issuers competing in the market.
Here are the top 5 in purchase volume, according to nilson’s april 2019 report:

Wells fargo

11.5%

Bank of america

Chase

10.7%

PNC

2.5%

U.S. Bank

2.4%

Nilson report, april 2019

How does a debit card work?

Debit cards pull money out of your bank account to cover your purchases, so you’ll need to keep an eye on the balance of the account linked to your card to ensure you’re not spending more money than you have. If you overcharge, your card may be declined or, if you’re not opted into overdraft protection, your bank may charge you overdraft fees to cover the purchase. Debit cards also usually have daily spending limits, so you may not be able to make especially large purchases with a debit card.

What are the differences between a debit card and a prepaid card?

Unlike a debit card, a prepaid card is not linked to a bank account. This means that instead of drawing money out of your account with each purchase, you are drawing from a balance preloaded onto your prepaid card. With a prepaid card, even if you have thousands of dollars in your bank account, you can be limited to the amount preloaded on your card. In contrast, a debit card draws money directly from your account to pay for purchases, so you do not need to preload it with cash.

What is a credit card?

A credit card is a lending product that allows you to borrow money from a bank to cover your purchases. Unlike with debit and prepaid cards, when you use a credit card to buy something you are using the bank’s money, not your own. You then pay back the money you’ve borrowed by the due date or pay a minimum with the understanding that you’ll pay interest on the balance in exchange for carrying the debt from month to month.

There are several types of credit cards, and many let you earn rewards on your spending and build or repair your credit history:

Travel cards

Travel cards

Cashback cards

Business cards

Balance transfer cards

Luxury cards

Secured cards and other credit-builder cards

How does a credit card work?

When you’re approved for a credit card, you’re given a set credit limit and can borrow up to that amount to cover your purchases (or, in some cases, balance transfers and cash advances). You’ll get a bill listing what you’ve purchased and what you owe, and you must pay back at least the specified minimum by the due date. If you don’t pay on time, you may be charged fees and damage your credit score. If you don’t pay off your full balance, you’ll be charged interest on whatever you still owe.

What is a charge card?

A charge card is very similar to a credit card, with a few key differences. As with a credit card, a charge card allows you to borrow money from an issuing bank to cover the purchases you make. The main difference is that a charge card requires you to pay your balance in full each month to avoid a penalty. Unlike credit cards, charge cards have no preset spending limit or APR. These cards tend to have excellent rewards and benefits and are primarily offered by american express.

How does a charge card work?

You can use a charge card just like a credit card, but carrying any sort of balance is not an option. Because of this, charge cards are not usually useful as financing tools. Additionally, because charge cards have no preset credit limit, they don’t factor into your credit utilization.

Are prepaid cards safe?

Prepaid cards are not credit cards, but they still have protections. Prepaid cards in a payment network such as mastercard or visa might enjoy zero liability protections, as in the case of the gloss prepaid visa rushcard.

The new rule will also allow you to access your account on line, like a bank account or credit card. You’ll also have greater protection from loss, theft or incorrect charges, according to CFPB.

Is a prepaid card a bank account?

No. A prepaid card is a standalone financial product that you load with money, then it eventually runs out of money unless you reload more. A bank account’s card is called a debit card – it operates in a similar way, but it is tied to the account’s funds. Neither is a credit card, which basically provides short-term loans to the cardholder.

A prepaid card can have similar features to a bank account, however. For example, you can use it to deposit your paycheck or auto-debit bills. This is because routing and account numbers can be assigned to the card.

Neither a prepaid card nor a debit card can be used to build credit, while you can build credit with a credit card. If your credit isn’t its best, try taking out a secured credit card for credit-building. Just make sure the card issuer will notify the 3 major credit bureaus of your credit habits.

Who should use a prepaid card?

Prepaid cards are increasingly popular, with the number of U.S. Adults who used these products at least once a month increasing by 50% from 2012 to 2014, according to a 2015 pew trusts study.

But who should use a prepaid card? You might embrace them because you can’t land a checking account. Or perhaps you appreciate the convenience. One thing we know – consumers typically choose prepaid cards to control spending, control fees or make purchases.

“A prepaid card may be a particularly good choice for a high schooler or college student,” says creditcards.Com industry analyst ted rossman. “A parent could load money onto one of these cards to provide their child with spending money and ease him/her into the process of paying with plastic before transitioning to a ‘real’ credit card. Prepaid cards are also useful for people who are afraid of debt. Be wary of fees, though, and note that you won’t build a credit history or earn too many rewards with a prepaid card.”

Prepaid vs. Credit card

Figuring out whether your card is prepaid or credit can be confusing because both can have network symbols on the front of the card, such as american express, visa or mastercard. But they are very different.

A credit card is a lending product. With a credit card, you charge a purchase, then you can pay it back in full by the due date and avoid paying interest charges. Alternatively, you can carry the balance to the next month and pay interest. The going APR for credit cards vary depending on the type of card, but the average is 16.65%.

A prepaid card uses your money to pay for purchases. You load the card with the amount you want, then use the card as you would use a credit card, presenting the card at the register. The difference is you don’t pay interest fees because you are using your own money – you aren’t borrowing. However, prepaid cards can have fees for signature purchase transaction fees, PIN purchase transaction fees and foreign transaction surcharges. That said, prepaid cards can have features such as the ability to get text messages or email alerts with the blue netspend visa prepaid card.

Advantages to credit cards are that you can use them to build credit, and you can use them to borrow money. Prepaid cards are helpful when you have had difficulty with credit or you don’t want a checking or savings account.

Pros and cons of prepaid cards

While prepaid cards are great for keeping track of your money and avoiding bank accounts or interest charges, they don’t help with building credit and they can have sizeable fees. Here are the pluses and minuses of prepaid cards:

Pros of prepaid cards

You don’t need a banking account. Unlike a debit card, which is tied to a checking or savings account, your prepaid card stands alone with its own cash.

Can be used for all manner of spending. If an open-loop card, which means it’s linked to a network such as visa or mastercard, then the card can be used at retailers that accept that network.

Direct-deposit your paycheck. If the card has its own account number and routing number, you can direct deposit and auto debit through your prepaid card without a bank account.

Card	direct deposit features
walmart moneycard mastercard	access money up to 2 days early with direct deposit
netspend prepaid mastercard	with direct deposit, you can get paid faster than a paper check
control prepaid mastercard	get your tax refund direct deposited and no waiting in line to cash your check

Manage your money. “most prepaid cards won’t allow you to spend more than the balance of the card,” says mike clark, co-owner of B&C media LLC. “if you attempt to, the transaction will just be denied. So, prepaid cards impose a type of financial discipline – to spend only what you have. Credit cards, on the other hand, allow you to spend more than what you have. For some, the temptation is too great. That’s why 65% of credit card users carry a credit card balance. Those users not only spend beyond their means but also finance their over-spending with high-interest debt.”

It’s protected. If it is linked to a network, you’ll enjoy zero liability protections. And if you report the loss or theft of a registered card to the issuer, most will restore your original balance and issue a new card.

No interest. Unlike a credit card, you won’t be charged an interest fee because you are using your own money.

No credit check. A bank is not checking your credit, which can slightly impact your score.

Can’t overdraw. There are no overdraft fees.

Personal information is safe. Your personal information isn’t tied to a prepaid card.

Cons of prepaid cards

Fees. Some prepaid cards charge fees. “fees typically include a monthly fee, cash load fees, and sometimes ATM fees,” says clark. “for a credit card user that always pays her full monthly balance, a prepaid card will always be the more expensive choice. The same is true of checking account debit cards if the consumer qualifies for a free checking account and doesn’t overdraw his or her account.”

Can’t build credit. Unlike secured credit cards or other credit-building cards, prepaid cards don’t help you build credit, says jeff white, senior financial analyst for fitsmallbusiness.Com. However, “you can build credit through a credit card, and if you pay it off each month, then you’re not being charged any interest.”

Can run out of money. If you don’t pay attention to how much money you have on your card, you can wind up unable to pay at the counter.

Fewer protections. “prepaid cards do not offer as many legal protections to consumers as traditional debit or credit cards,” says monica eaton-cardone, co-founder and COO of chargebacks911. “for example, let’s assume the cardholder needs to dispute a fraudulent or mistaken charge on her prepaid card. While many card issuers will still allow customers to dispute charges, the consumer doesn’t have a guaranteed legal right like she would with a conventional credit or debit card. Thus, the consumer takes on a greater share of fraud liability when using a prepaid card.”

What to look out for with prepaid cards

With all the advantages of prepaid cards, there are a few things to watch out for, including how it works and its features. For example, they actually have some protections and they can be used widely, yet they don’t work like a credit card. Here are 7 things to pay attention to:

It’s not a credit card. A prepaid card is more like a debit card – once you’ve spent the money on the card, you’re done, unless you reload the card with more funds. With a credit card, you are borrowing money that you will pay back later.

It’s not tied to a bank account. Unlike a debit card, a prepaid card isn’t tied to a checking or savings account. However, it can have routing and account numbers that you can use to auto-debit or deposit funds.

A prepaid card has protections. Although it’s not a credit card, as part of a payment network, it has some protections similar to a credit card.

You can buy it at a variety of places. From grocery stores to minute markets, there are a variety of locations where you can buy a prepaid card. Simply load it with the amount of cash you want, and you’re ready to go!

It can be used for budgeting. You can load it for a specific type or purchase, such as groceries. Then, when your card runs out of money, you simply stop spending on that item.

Watch out for fees. There are sometimes surprise fees in a prepaid card, so beware.

You can’t build credit with a prepaid card. For that, you’ll need a credit card. Start with a secured credit card or an unsecured card for someone with bad or no credit.

Laura is an editor and writer at creditcards.Com. She has written extensively on all things credit cards and works to bring you the most up-to-date analysis and advice. Laura’s work has been cited in such publications as the new york times and associated press. You can reach her by e-mail at laura.Mohammad@creditcards.Com and on twitter @creditcards_lm.

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The comments posted below are not provided, reviewed or approved by the card issuers or advertisers. Additionally, the card issuer or advertiser does not assume responsibility to ensure that all posts and/or questions are answered.

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Net+ prepaid mastercard

Vorteile

Keine jahresgebühr

Hohes tageslimit

Einfache aufladung

Virtuelle kreditkarte à 2,50 euro (1. Kostenfrei)

Kostenloses NETELLER E-wallet zahlungskonto

Anmerkung

Konditionen - neteller net+ prepaid mastercard - stand: 25.02.20

Allgemeines

Grundgebühren

Kreditkarte

Guthaben- und soll-zinssätze

Kreditkarte

Einsatzentgelte

Tageslimits

Entgelte für bargeldabhebungen an

Entgelte für bargeldlose zahlungen

Fremdwährungsentgelt

Überweisungen

Bonussysteme und versicherungen

Bonuspunkte bei kreditkartenzahlung

Sicherheitsmerkmale

Einlagensicherung und haftungslimit

Für alle, die eine besonders günstige prepaid kreditkarte haben wollen, ist die net+ prepaid mastercard die ideale lösung. Einmalig 10,00 euro berabeitungs- und versandgebühren – ansonsten keine jahres- bzw. Monatsgebühren oder gebühren für umsatzlose karten. Da die net+ prepaid mastercard als guthaben-kreditkarte funktioniert, sind überziehung- und mahnkosten gar nicht erst möglich.

Die aufladung der net+ prepaid mastercard lässt sich über zahlreiche kanäle erledigen, z. B. Per giropay, bitcoin oder als klassische überweisung vom girokonto. Für bargeldlose zahlungen innerhalb der euro-zone fallen keine kosten an. Jedoch sind bargeldabhebungen sowie transaktionen in fremdwährungen mit gebühren verbunden.

Inhaber der net+ prepaid mastercard können an mehr als 35 millionen akzeptanzstellen weltweit zahlen und profitieren dabei von hoher flexibilität und sicherheit. Voraussetzung für den erhalt der net+ kreditkarte ist die kostenlose registrierung für ein neteller E-wallet zahlungskonto, welches als guthaben- und servicekonto für die prepaid card dient.

Die net+ prepaid mastercard im test

Unser redaktioneller test zur neteller net+ prepaid mastercard

Kartenantrag

„erstellen sie ein eigenes konto, es dauert weniger als eine minute.“ mit diesem versprechen wirbt neteller. Aber: um das konto anschließend auch nutzen und eine net+ prepaid mastercard beantragen zu können, benötigt man dann doch ein paar minuten mehr und sollte sich vor allem punkt für punkt an die vorgaben von neteller halten.

Der antrag für das kostenlose neteller konto ist tatsächlich binnen kürzester zeit erledigt. E-mail-adresse, geburtsdaten, name, anschrift, kontaktmöglichkeiten und fertig – mehr daten müssen zu diesem zeitpunkt noch nicht hinterlegt werden. Danach wird es dann etwas komplizierter. Denn das konto muss bestätigt werden, um die net+ prepaid kreditkarte bestellen zu können.

Neteller weist direkt nach dem ersten login (per E-mail-adresse und passwort) darauf hin, dass man sich legitimieren muss. Per klick auf den hinweis gelangt man auf eine seite, die den vorgang schritt für schritt erklärt. Zum einen muss das konto aufgeladen werden. Dazu stehen gleich mehrere optionen zur wahl. Zum anderen verlangt neteller, dass sicherheitsfragen erstellt werden.

Legitimation per dokumentenupload

Die eigentliche legitimation erfolgt dann per upload der ausweisdokumente. Dazu ist eine webcam zwingend erforderlich. Falls der computer keine webcam hat, muss die neteller-app heruntergeladen werden, damit die identifizierung über das smartphone erfolgen kann. Danach aktiviert man die webcam, damit sie lichtbilder vom identitätsdokument aufnehmen kann. Dabei wird automatisch die bildqualität geprüft. Außerdem muss die postadresse verifiziert werden. Dies passiert über die standortermittlung im web browser. Erst dann ist es möglich, die net+ prepaid mastercard zu ordern. Der versand kostet 10,00 euro. Für die karte selbst werden jährlich 0,00 € berechnet.

Onlinebanking

Neteller geht den modernen weg. Das gilt nicht nur für die net+ prepaid mastercard, sondern auch für das onlinebanking. Die startseite listet alle informationen rund um den account auf. Über das menü lassen sich dann die einzelnen bereiche aufrufen, wie etwa die einstellungen oder der kontakt zum support. Für die kreditkarte gibt es einen eigenen menüpunkt.

Über das online-tool von neteller kann problemlos geld gesendet und empfangen werden. Die umsätze lassen sich später jederzeit wieder aufrufen und kontrollieren. Möglich ist das auch über die neteller applikation. Mit ihr lassen sich alle wichtigen funktionen rund um das neteller konto ausführen – wobei der schwerpunkt ganz klar auf dem geldtransfer liegt. Die empfänger müssen zu dem zeitpunkt übrigens nicht selbst kunde von neteller sein.

Zahlungsverkehr

Die net+ prepaid mastercard bietet nahezu den vollen funktionsumfang einer modernen kreditkarte. Worauf man derzeit noch verzichten muss, ist das bezahlen per funk, da die nötige NFC-technik (near field communication) nicht implementiert ist. Ansonsten gibt es weltweit rund 35 millionen akzeptanzstellen, an denen man mit der net+ prepaid mastercard bezahlen kann – hier sind jedoch teilweise einschränkungen möglich, weil die kreditkarte auf dem guthabenprinzip basiert. Das gilt zum beispiel für autovermietungen.

Zahlungen mit der karte sind in euro bzw. Der gewählten kontowährung kostenfrei. Sobald eine währungsumrechnung erfolgt, verlangt neteller eine sogenannte devisengebühr in höhe von 3.99 prozent. Das ist ein vergleichsweise hohes auslandseinsatzentgelt. Bargeldabhebungen am automaten werden mit 1.75 prozent berechnet. Das limit beträgt hierbei 900.00 euro und zehn abhebungen alle 24 stunden. Für einkäufe liegt die obergrenze bei 2.700 euro und 50 vorgänge alle 24 stunden.

Zahlungsziel

Ein zinsfreies zahlungsziel muss bei der net+ mastercard nicht beachtet werden. Da es eine prepaid kreditkarte ist, werden die zahlungen und abhebungen direkt über das karten- bzw. Neteller-konto abgerechnet. Heißt: es wird kein kredit eingeräumt und keine ratenzahlung angeboten.

Zinsen

Auf dem kostenlosen konto von neteller werden keine habenzinsen gutgeschrieben. Sollzinsen gibt es auch nicht, da es sich um eine prepaid kreditkarte handelt.

Sicherheit / einlagensicherung

Bei der sicherheit kompromisse eingehen zu müssen, ist immer mit einem gewissen risiko verbunden. Dessen muss man sich bei der net+ prepaid mastercard bewusst sein. Denn leider bietet die kreditkarte nicht alle sicherheitsoptionen, die heute möglich sind. Was fehlt, sind das 3D-secure-verfahren, mit dem sich onlineeinkäufe zusätzlich absichern lassen, und transaktions-benachrichtigungen per SMS oder E-mail. Auch auf eine einlagensicherung muss man verzichten. Das kapital wird stattdessen auf treuhandkonten verwahrt.

Ansonsten bietet neteller eine durchaus solide und sichere prepaid kreditkarte. Sie ist hoch geprägt – das gilt für den namen und die kartennummer – und hat einen card validation code (CVC). Der sicherheitschip ist für kreditkarten längst obligatorisch. Er verhindert, dass diebe oder betrüger die kartendaten auslesen und kopieren.

Kommt es zu buchungen, die nicht nachvollziehbar sind oder gleich als betrügerisch erkannt werden, muss man sich mit neteller in verbindung setzen. Hierfür steht ein E-mail-support-formular zur verfügung. Bei verlust oder diebstahl der karte kann man über das onlinebanking eine neue karte ordern. Um auf nummer sichern zu gehen, sollte auch gleich der support informiert und die karte explizit gesperrt werden, telefon +44 20 7526 9219. Die haftung des kunden ist in dem fall auf die ersten 35 britischen pfund bzw. Die äquivalente summe der kontowährung begrenzt.

Bonus, rabatt, cashback

Für neteller kunden gibt es ein eigenes bonusprogramm, mit dem man punkte sammelt, die später gegen geld eingelöst werden können. Die bonus- bzw. Promo-aktionen konzentrieren sich allerdings auf sehr spezielle bereiche wie online-casinos, die zusätzliches guthaben oder freispiele einräumen, forex und kryptowährungen.

Darüber hinaus kann man sich als neteller VIP einige boni erarbeiten. Das VIP-programm basiert auf den umsätzen und umfasst fünf level: bronze, silver, gold, platinum und diamond. Vorteile ergeben sich für vips bei den limits für barverfügungen, den währungsumrechnungsgebühren und der zahl der währungskonten. Ab dem silber-status gibt es die net+ prepaid mastercard zudem kostenlos – auch die versand- und bearbeitungsgebühren entfallen.

Versicherungsleistungen

Neteller bietet seinen kunden mit der net+ prepaid mastercard keine versicherungsleistungen an – weder inklusive noch optional.

Gesamtfazit

Sie hat durchaus etwas für sich, die net+ prepaid mastercard. Mit acht euro pro jahr gehört sie zu den günstigeren offerten am markt. Auch die versand- und bearbeitungsgebühren halten sich in grenzen. Was bitter aufstößt, sind die hohen kosten für währungsumrechnungen. Mit 3.99 prozent ist das auslandseinsatzentgelt fast doppelt so hoch wie bei anderen kreditkarten.

Worauf man ebenfalls achten muss, sind die gebühren für einzahlungen auf das neteller konto. Es gibt zwar sehr viele möglichkeiten, guthaben aufzuladen, über das man später mit der mastercard kreditkarte verfügen kann. Doch die meisten sind kostenpflichtig. Immerhin: banküberweisungen auf das konto sind kostenlos möglich.

Berücksichtigt man darüber hinaus die leichten mängel beim thema sicherheit, ist die net+ kreditkarte zwar nach wie vor gut, hat aber kein „sehr gut“ verdient. Übrigens: wer keine plastikkarte benötigt, kann ganz einfach eine virtuelle kreditkarte beantragen. Die ist dann kostenlos.

Western union ® netspend ® prepaid mastercard ®

The prepaid card that gives you access to western union ® money transfers 1 .

Quickly send & receive money with the western union ® netspend ® prepaid mastercard ®

The western union ® netspend ® prepaid mastercard ® gives you all the great features and benefits of a prepaid debit card with the power to send and receive western union ® money transfers 1 from wherever you are. It's a feature-rich financial solution to help you manage your money!

No minimum balance required

Get paid up to 2 days faster with direct deposit 3

Western union ® money transfer ®

Send and receive western union money transfers 1 to over 200 countries and territories in minutes.

Direct deposit

Get your paychecks, government benefits, and other regular payments up to 2 days faster with direct deposit 3 , or add cash at over 130,000 reload locations 4 in the U.S. Including participating western union ® agent locations.

Anytime alerts TM5

Get a text 5 message or email when your money is available, get transaction details, find reload locations, and more 4 .

Mobile app 4

Send and receive money transfers ¹ , load checks with a snap and manage your money on the go.

The reduced monthly fee plan 6

Take advantage of the plan with the lowest monthly fee! Plan benefits include unlimited purchase transactions for $5.00 per month 6 and the option to personalize your card at no cost 8 ! Access these great benefits when you direct deposit at least $500 in payroll or government benefit within a calendar month.

Custom card 8

Personalize your card with a photo. You can even choose a photo of yourself to help merchants know it’s you.

Western union ® money transfer ®

Send and receive western union money transfers ¹ to over 200 countries and territories in minutes.

Direct deposit

Anytime alerts TM5

Get a text 5 message or email when your money is available, get transaction details, find reload locations, and more. 4

Mobile app 4

Send and receive money transfers 1 , load checks with a snap and manage your money on the go.

The reduced monthly fee plan 6

Take advantage of the plan with the lowest monthly fee! Plan benefits include unlimited purchase transactions for $5.00 per month 6 and the option to personalize your card at no cost! 8 access these great benefits when you direct deposit at least $500 in payroll or government benefit within a calendar month.

Custom card 8

Personalize your card with a photo. You can even choose a photo of yourself to help merchants know it’s you.

1 fees for money transfers vary and will be calculated at the time of the transfer transaction. Fees, terms and conditions apply, which you must agree to before using the service. No fee to receive western union ® money transfers onto your western union ® netspend ® prepaid mastercard ® . This optional offer is not a metabank product or service nor does metabank endorse this offer.

2 IMPORTANT INFORMATION FOR OPENING A CARD ACCOUNT: to help the federal government fight the funding of terrorism and money laundering activities, the USA PATRIOT act requires us to obtain, verify, and record information that identifies each person who opens a card account. WHAT THIS MEANS FOR YOU: when you open a card account, we will ask for your name, address, date of birth, and your government ID number. We may also ask to see your driver’s license or other identifying information. Card activation and identity verification required before you can use the card account. If your identity is partially verified, full use of the card account will be restricted, but you may be able to use the card for in-store purchase transactions. Restrictions include: no ATM withdrawals, international transactions, account-toaccount transfers and additional loads. Use of card account also subject to fraud prevention restrictions at any time, with or without notice. Residents of vermont are ineligible to open a card account.

3 faster funding claim is based on a comparison of our policy of making funds available upon receipt of payment instruction versus the typical banking practice of posting funds at settlement. Fraud prevention restrictions may delay availability of funds with or without notice. Early availability of funds requires payor’s support of direct deposit and is subject to the timing of payor’s payment instruction.

4 fee may be assessed by reload location and may vary from location to location.

5 netspend does not charge for this service, but your wireless carrier may charge for messages and data.

6 the pay-as-you-go plan is the default plan fee on the card account. Cardholder may enroll in the monthly plan to pay a flat fee of $9.95 per month instead of paying a fee for every purchase transaction under the pay-as-you-go plan. Neither plan fee option includes any other fees. If cardholder receives $500 in payroll or government benefit direct deposits in 1 calendar month, cardholder will qualify for the reduced monthly plan. After qualifying, monthly plan cardholders will receive the reduced monthly plan fee of $5 on their next plan fee assessment date. Pay-as-you-go cardholders must enroll in the reduced monthly plan to receive it.

7 receive one (1) digital coupon for a one-time custom card fee waiver when you qualify for netspend premier. Coupon valid for 365 days after issuance. $4.95 custom card fee applies to all other custom card orders. Offer not valid for netspend premier cardholders who do not currently have a valid coupon for a custom card fee waiver. Limit one (1) offer per card account. [bank and association] are not affiliated in any way with this offer and do not endorse or sponsor this optional offer. Photograph (full-size or passport-type) must meet custom card image guidelines. See your online account center for details.

8 custom card fee applies. Picture must meet image guidelines. If custom card is lost, stolen, or damaged, any request for: (a) a replacement custom card requires resubmission of image and payment of custom card fee; or (b) a replacement standard card requires payment of standard replacement card fee. See online custom card faqs and the fee schedule in the cardholder agreement.

The western union ® netspend ® prepaid mastercard ® is issued by metabank ® , member FDIC, pursuant to license by mastercard international incorporated. Netspend, a global payments inc. Company, is a registered agent of metabank. Certain products and services may be licensed under U.S. Patent nos. 6,000,608 and 6,189,787. Use of the card account is subject to activation, ID verification, and funds availability. Transaction fees, terms, and conditions apply to the use and reloading of the card account. See the cardholder agreement for details.

Mastercard is a registered trademark, and the circles design is a trademark of mastercard international incorporated. Card may be used everywhere debit mastercard is accepted.

Die prepaid kreditkarte der netbank - prepaid credit card online

Die netbank prepaid kreditkarte ist die perfekte shoppingbegleitung und bietet vielfältige einsatzmöglichkeiten ohne überziehungsrisiko.

Von jedem deutschen girokonto aufladbar

Einsetzbar an 40 mio. Mastercard akzeptanzstellen

PIN jederzeit im karten-banking abrufbar

Aufladung per überweisung oder dauerauftrag

Hohe sicherheit beim shoppen

40 mio. Akzeptanzstellen

Jugendschutz aktivierbar

Für viele lebenslagen geeignet - unsere schlaue prepaid kreditkarte

Für studenten im auslandssemester

Weltweit einsetzbar, schnelle wiederaufladung in 24 stunden, individuelle limits zur risikominimierung, benachrichtigung per SMS oder E-mail bei jeder transaktion.

Auf urlaubsreise

Weltweit bargeld abheben und bequem in hotels, gastronomie und geschäften bezahlen.

Als zweitkarte zur normalen kreditkarte

Keine schufa-auskunft oder bonitätsprüfung nötig.

Das taschengeldkonto für jugendliche

Eine perfekte und zeitgemäße lösung mit aktivierbaren sicherheits-features.

Seit unserer gründung stellen wir uns immer wieder unabhängigen vergleichen und tests. Das ergebnis: kontinuierliche spitzenplatzierungen, die uns und unsere fairen produkte bestätigen.

Preise & leistungen

Jahresgebühr

Sonstige preise

Alle preise, zinsen und konditionen sowie angaben zu annahme- und ausführungsfristen finden sie im preisaushang sowie im preis- und leistungsverzeichnis der augsburger aktienbank AG (hier in ihrem markenauftritt netbank).

Alle leistungen der prepaid kreditkarte auf einen blick.

Preise & leistungen

Jahresgebühr

Sonstige preise

Alle preise, zinsen und konditionen sowie angaben zu annahme- und ausführungsfristen finden sie im preis- und leistungsverzeichnis der netbank (eine marke der augsburger aktienbank AG).

Vielleicht ist schon etwas dabei, was sie wissen wollen. Hier finden sie alle antworten auf die häufigsten fragen:

Sie können ihre pin für ihre prepaid kreditkarte jederzeit im kartenbanking abrufen, daher werden wir ihnen keine pin gesondert auf dem postweg zusenden.

Die genauen details wie sie ihre prepaid kreditkarte aufladen können finden sie in ihrem kartenbanking unter dem reiter „karte aufladen“ oder auf der rückseite ihrer kreditkarte.

Sie haben die möglichkeit in ihrem kartenbanking unter dem reiter „einstellungen“ die kostenlose funktion „jede transaktion per SMS mitteilen“ oder „jede transaktion per E-mail mitteilen“ zu aktivieren. In dieser wird ihnen die letzte transaktion ihrer prepaid kreditkarte mit dem verbleibenden kontostand mitgeteilt.

Sie haben zum einem die möglichkeit ihre prepaid kreditkarte über die +49 116 116 sperren zu lassen. Alternativ können sie dies direkt in ihrem kartenbanking vornehmen unter dem reiter „karte sperren“.

In ihrem kartenbanking unter dem reiter „einstellungen“ haben sie die möglichkeit die maximale anzahl und höhe von transaktionen individuell zu steuern. Nach bestätigung durch ihr kennwort sind diese für ihre prepaid kreditkarte sofort wirksam.

Eine legitimierung durch das postident-verfahren für die prepaid kreditkarte ist nur bei auswahl des 10.000€ limits notwendig. Sofern sie bereits netbank kunde sind haben sie die möglichkeit im antragsprozess ihre netbank kundennummer anzugeben und können damit auf das postident-verfahren verzichten.

Da es sich bei der prepaid kreditkarte um eine kreditkarte auf guthabenbasis handelt holen wir bei beantragung keine schufa-auskunft ein.

Da es sich bei der prepaid kreditkarte um eine kreditkarte auf guthabenbasis handelt melden wir diese nicht der schufa.

Что можно сказать в заключение: what is the net+ prepaid mastercard® and how can I get one? What is the net+ plastic prepaid mastercard®? Net+ cards are prepaid cards that operate on the mastercard® platform. They provide по вопросу net prepaid mastercard

Net prepaid mastercard

Net prepaid mastercard

What is the net+ prepaid mastercard® and how can I get one?

Net prepaid mastercard

Safer than cash

Mastercard ID theft protectionв„ў

More convenient than cash

Easy to manage your finances

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NETELLER net+ mastercard

NETELLER card fees

NETELLER card limits

Order NETELLER mastercard

NETELLER net+ virtual prepaid mastercard

Fees

Limits

Order NETELLER card

NETELLER net+ mastercard and virtual card – availability

NETELLER mastercard – comparison and summary

Prepaid cards

Select an option

Prepaid cards

Everyday prepaid cards - ordered by cards which incur the lowest first year costs for an upload of £500 with eight transactions of £37.50 each and four ATM transactions of £50 each, includes any special or introductory offers.

Prepaid cards for euros - ordered by biggest saving to customers based on making 10 purchases of €50 and five ATM transactions at €100 each

Prepaid cards

Advantages of prepaid cards

Disadvantages of prepaid cards

What is a prepaid card?

What is a prepaid travel card?

How to choose the best prepaid card?

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Credit building

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Prepaid mastercard de card voor iedereen

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Prepaid kreditkarte ohne SCHUFA: 13 schufafreien prepaid kreditkarten (mastercard & visa) im vergleich

Prepaid kreditkarten ohne SCHUFA: 13 schufafreien prepaidkarten (stand 01/2020)

Die rolle der SCHUFA bei der vergabe von kreditkarten

Eine prepaid kreditkarte gibt es oft auch schufafrei

Sind prepaid kreditkarten überhaupt seriös?

Vor-und nachteile einer prepaid kreditkarte ohne schufa

Vorteile:

Nachteile:

Wie kann ich eine schufafrei kreditkarte beantragen?

Gibt es eine reguläre kreditkarte ohne bonitätsauskunft?

Kann ich mehrere kreditkarten auf guthabenbasis haben?

Zusammenfassung

Debit cards and prepaid cards

Best prepaid & debit cards for 2020

Everyday prepaid cards - ordered by cards which incur the lowest first year costs for an upload of
£500 with eight transactions of £37.50 each and four ATM transactions of £50 each, includes any
special or introductory offers.

Prepaid mastercard
de card voor iedereen